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Observ Network is a online news station geared towards the modern day entrepreneur.

We address politics, finance, social & economic issues as it pertains to the aspiring & small business owners.

05/04/2025

On April 2, President Trump announced a series of steep new tariffs, including a 24% tariff on Japan, a 26% levy on India, and a 49% tariff on Cambodia.

These come along with a 10% baseline tariff for all countries, set to take effect on April 9th. For context, many of the world’s largest economies have average trade weighted tariff rates below 5%.

This graphic shows the trade weighted average tariff rates of major economies, based on data from the World Trade Organization.

14/07/2023

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21/06/2023

Mapping Diabetes Rates by Country

Despite advancements in healthcare lengthening life expectancy across the world, there are still many diseases that are hard to beat. One of these growing and costly diseases is diabetes, but each country is being hit differently.

One of the leading causes of death and disability globally, over half a billion people are living with diabetes today. The World Bank’s IDF Diabetes Atlas reveals that diabetes was responsible for 6.7 million deaths in 2021 alone.

18/05/2023

Understanding the Assets and Liabilities of U.S. Banks
This was originally posted on Elements. Sign up to the free mailing list to get beautiful visualizations on real assets and resource megatrends each week.

The U.S. banking sector has more than 4,000 FDIC-insured banks that play a crucial role in the country’s economy by securely storing deposits and providing credit in the form of loans.

This infographic visualizes all of the deposits, loans, and other assets and liabilities that make up the collective balance sheet of U.S banks using data from the Federal Reserve.

With the spotlight on the banking sector after the collapses of Signature Bank, Silicon Valley Bank, and First Republic bank, understanding the assets and liabilities that make up banks’ balance sheets can give insight in how they operate and why they sometimes fail.

15/05/2023

Visualized: The Daily Routines of Famous Creatives
What is the best daily routine to unlock creativity, or is there such a thing?

Many modern suggestions for optimizing creativity—like scheduling time for “deep work,” and building small, sustainable “atomic habits”—can be traced back to famous creatives in many different eras. And though they all found success, they employed different methods as well.

In this unique visualization, RJ Andrews from InfoWeTrust has charted how notable creatives in different fields spent their days. He picked 16 of the 161 “inspired minds” covered by Daily Rituals: How Artists Work, a book by writer and editor Mason Currey published in 2013.

05/04/2023

The U.S. Top Banks by Uninsured Deposits
Today, there is at least $7 trillion in uninsured bank deposits in America.

This dollar value is roughly three times that of Apple’s market capitalization, or about equal to 30% of U.S. GDP. Uninsured deposits are ones that exceed the $250,000 limit insured by the Federal Deposit Insurance Corporation (FDIC), which was actually increased from $100,000 after the Global Financial Crisis. They account for roughly 40% of all bank deposits.

In the wake of the Silicon Valley Bank (SVB) fallout, we look at the 30 U.S. banks with the highest percentage of uninsured deposits, using data from S&P Global.

Which Banks Have the Most Uninsured Deposits?
Over the last month, SVB and Signature Bank went under at lightning speed.

Below, we show how their level of uninsured deposits compare to other banks. The dataset includes U.S. banks with at least $50 billion in assets at the end of 2022.

28/03/2023

What Triggered the SVB Collapse?
While the collapse of SVB took place over the course of 44 hours, its roots trace back to the early pandemic years.

In 2021, U.S. venture capital-backed companies raised a record $330 billion—double the amount seen in 2020. At the time, interest rates were at rock-bottom levels to help buoy the economy.

Matt Levine sums up the situation well: “When interest rates are low everywhere, a dollar in 20 years is about as good as a dollar today, so a startup whose business model is “we will lose money for a decade building artificial intelligence, and then rake in lots of money in the far future” sounds pretty good. When interest rates are higher, a dollar today is better than a dollar tomorrow, so investors want cash flows. When interest rates were low for a long time, and suddenly become high, all the money that was rushing to your customers is suddenly cut off.”

30/12/2022

U.S. Inflation: How Much Have Prices Increased?
Overall, the items in the basket of goods under the Consumer Price Index have increased by a collective 7.1% since last year, making purchasing necessary food and energy items more difficult.

Here’s another look at how each overarching category increased, between November 2021 and November 2022:

Food: +10.6%
Energy: +13.1%
All other items excluding food and energy: +6.0%
Purchasing your everyday ingredients to cook with, energy to heat your home, and all other items that are standard in our everyday lives has become increasingly expensive. In an effort to counter inflation pressures, the U.S. Federal Reserve has been raising interest rates to make borrowing more difficult in order to push down demand.

13/12/2022

Double-Digit Inflation: Will it Last?
If history is an example, taming rising prices could take at least a few years yet.

Take the sky-high inflation of the 1980s. Italy, which managed to combat inflation faster than most countries, brought down inflation from 22% in 1980 to 4% in 1986.

If global inflation rates, which hover around 9.8% in 2022, were to follow this course, it would take at least until 2025 for levels to reach the 2% target.

It’s worth noting that inflation was also highly volatile over this decade. Consider how inflation fell across much of the rich world by 1981 but shot up again in 1987 amid higher energy prices. Federal Reserve chair Jerome Powell spoke to the volatility of inflation at their November meeting, indicating that high inflation has a chance of following a period of low inflation.

While the Federal Reserve projects U.S. inflation to fall closer to its 2% target by 2024, the road ahead could still get a lot bumpier between now and then.

12/12/2022

A Thousand Cuts: Mass Layoffs by Tech Companies
Layoffs are having an impact on the entire tech industry, and the phenomenon is global. Here are some of the most high-profile examples of mass layoffs in 2022:

Meta: The social media giant faces competition from upstarts like TikTok, as well as a pool of ad dollars that is shrinking in the face of a faltering economy. Although this reduction in headcount is painful for Meta, it’s worth considering a more broad perspective. In close to two decades of doing business, these will be the company’s first wide-scale job cuts.

Twitter: Though Meta wins with sheer volume of cuts, Twitter’s mass layoffs are surely the most dramatic. In early November, the company’s iconoclastic new owner, Elon Musk, slashed 50% of the workforce, and soon after, thousands of contractors also suddenly lost their jobs. Estimating how many employees remain at the company will remain a challenge until the dust settles.

Byju’s: Layoffs are not just confined to the United States. India’s sizable tech sector is also facing cuts. EdTech giant, Byju’s, laid off 2,500 employees in October—around 5% of its total workforce.

Peloton: The high-end workout equipment company has been dropping its headcount throughout the year. In the visualization above, companies like Meta stand out as they eliminated thousands of employees all at once. Peloton, however, executed its layoffs in stages throughout the year. After strong growth during the pandemic began to stagnate, the company is slimming down to regain profitability.

11/12/2022

Which Countries Believe WWIII is Coming?
After a pandemic, rampant inflation, a faltering global economy, and geopolitical flare-ups, it’s no surprise that people have a souring outlook on the future.

Even so, the results of this recent survey by Ipsos are eyebrow raising. In all 33 countries where polling took place, the majority of respondents said they believe a world war on the scale of WWI and WWII would break out between global superpowers in coming years.

Here’s a look at how various countries felt about the possibility of an impending global conflict:

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